Compare Bank & Credit Union Rates
Best auto loan rates, new and used
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 222 in California · median 4.99% APR
- 3.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Requires 5+ years membership tenure (1.50% APR discount).
Auto loan score 99 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.49%APRas low as
Terms
Advertised as low as rate is based on up to 60-month term for new and used vehicle financing up to 125% LTV. Rates based on credit and amount financed.
Auto loan score 99 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low as · up to 13.00%
3.50% APR, up to 13.00%
Terms
Model year 2026-2027
Auto loan score 96 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low as
Terms
Starting as low as. Rate Subject to Term.
Auto loan score 94 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 3.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 125% of MSRP, Maximum $30,000.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes maximum 0.50% discount (0.25% for automatic payment transfer/ACH/payroll deduction and 0.25% for direct deposit). Rate is subject to terms up to 84 months.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
90th Anniversary Auto Loan Special. Rates as low as 3.84% APR, $90 Anniversary Gift, 90 Days to First Payment. Limited time through December 30, 2026.
Auto loan score 97 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
Rate is advertised as low as 3.84% APR.
Auto loan score 97 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 3.89%APRas low as
Terms
Current year, <5,000 miles. Rates are based on credit history, terms of loan, payment type, and other potential conditions. 10 Days grace period for repayment.
Auto loan score 92 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.90%APRas low as
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Rates as low as 3.99% APR. Rates subject to change without notice. All loans subject to credit approval; actual rate and terms may vary based on creditworthiness, loan term, and vehicle age. First payment may be deferred for up to 90 days; interest begins accruing from the date of loan disbursement. Membership required.
Auto loan score 94 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 3.99% APR includes rate reduction due to Relationship discounts of up to 0.75% (0.25% rate reduction for Members having Direct Deposit of entire net pay; 0.25% discount for Members that pay the loan through payroll, ACH Origination or automatic transfer; 0.25% discount for 'Loyalty Plus' Members). Not all Members will qualify. Used vehicle model years not to exceed 10 years old or 150,000 miles. Minimum auto loan amount of $10,000.00 is required to earn bonus deposit.
Auto loan score 93 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a 0.50% discount for automatic payments. Subject to approval; based on creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for lowest APR.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 14.49%with conditions
3.99% APR, up to 14.49%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes .50% reduction for enrollment in eStatements and Automatic Payments. Estimated Payment per $1,000 is $19 to $24.
Auto loan score 88 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in California
222 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
California
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Skyla Credit UnionCredit union · 1 branch
- F&A Credit UnionCredit union · 2 branches